St. Charles County property record for 2610 Stillwater Dr, O Fallon, MO 63368
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 1,918 sqft · built 1988 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $195,100 (Jun 2019) |
| Tax Bill | $3,441 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Jun 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A892000176 |
| Primary APN | A892000176 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,918 sqft Living Area |
| Gross Area | 2,684 sqft |
| 1st Floor Area | 1,126 sqft |
| Basement Area | 1,056 sqft |
| Finished Basement | 792 sqft |
| Unfinished Basement | 264 sqft |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Attached |
| Garage Area | 502 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 28 sqft |
| Patio Area | 400 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A892000176 |
|---|---|
| Street Address | 2610 STILLWATER DR |
| City | O FALLON |
| State | MO |
| Zip | 63368-6935 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BAYFIELD #4 LOT 390 |
| Legal Subdivision | BAYFIELD #4 |
| Legal Lot Number | 390 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | WELDON SPRING |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 311732 |
2610 Stillwater Dr is owned and occupied by two individuals who bought it in June 2019.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2610 STILLWATER DR, O FALLON, MO 63368-6935 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 6, 2021 | Deed of Trust, Mortgage · VA Mortgage USAA FSB |
| Jun 21, 2019 | Warranty Deed, Transfer · VA Mortgage USAA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 21, 2019 · Amount on File |
| Deed Sale | Jun 21, 2019 · Amount on File |
| Prior Sale | Dec 30, 2009 · Amount on File |
| Deed Document Number | 2019309310 |
| Deed Book / Page | 7093 / 1246 |
| Prior Transfer Date | May 4, 2015 |
| Prior Transfer Doc | 0063510171 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2610 STILLWATER DR, O FALLON, MO 63368-6935 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2610 STILLWATER DR, O FALLON, MO 63368-6935 |
| Document Number | 0000098421 |
|---|---|
| Date | Dec 6, 2021 |
| Instrument | 2021R-098421 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Address | SAN ANTONIO, TX 78288 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 21, 2019 |
| Property Address | 2610 STILLWATER DR, O FALLON, MO 63368-6935 |
| Document Number | 0070931246 |
| Book / Page | 007093 / 001246 |
| Instrument Date | Jun 19, 2019 |
| Instrument | 309310 |
| Transaction Type | Transfer |
| Record Updated | Jul 23, 2019 |
| Title Company | US TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2610 STILLWATER DR O FALLON MO 633686935, O FALLON, MO 63368-6935 |
| Document Number | 70931250 |
|---|---|
| Date | Jun 21, 2019 |
| Book Page | 007093/001250 |
| Instrument | 309330 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 20, 2049 |
The 2025 property tax bill for 2610 Stillwater Dr was $3,441, up 7.7% from the year before.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $53,480 (-) | $281,475 (-) Building $281,475 | |
| 2025 | $3,441.00 (+7.73%) | $53,480 | $281,475 Building $281,475 |
| 2024 | $3,194.00 | ||
| 2023 | $48,162 | ||
| 2022 | $253,482 Land $50,000 Building $203,482 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 2610 Stillwater Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 2610 Stillwater Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.2% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST CHARLES COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530 |
|---|---|
| Water Source | Purchased surface water from ST LOUIS CITY PWS |
| Last State Inspection | Aug 2023 |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 472 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Gateway Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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